Trusted Tips and Resources

Trusted Tips & Resources

Trusted Saskatoon Contractors at Liftech Concrete Levelling Explain Deep Foamjection™

Trusted Saskatoon Contractor Liftech Concrete Leveling Inc is your go-to Trusted Saskatoon Contractor for lifting and levelling sunken and uneven concrete. Traditional mud jacking, or slab jacking, is a remedy that’s been used for decades to raise sunken slabs. Now, there’s a newer, longer-lasting alternative available from Liftech Concrete Leveling. In their latest tip they explain Deep Foamjection™

Have you heard of Deep Foamjection™?


In some cases, traditional concrete levelling isn't enough to remedy the issues. Deep Foamjection™ is an advanced method that goes beyond traditional concrete raising techniques. It involves injecting foam at greater depths to enhance the soil's load-bearing capacity. Like tree roots spread out to stabilize the soil and prevent erosion, Deep Foamjection™ creates artificial root systems using foam.


By stabilizing and strengthening the soil, Deep Foamjection™ addresses the underlying causes of settling in structures, roads, or concrete pads. Unlike basic concrete lifting methods that may provide temporary solutions, Deep Foamjection™ tackles the root of the problem by targeting various depths.


Here are some key features and benefits of Deep Foamjection™:

  1. Upgrade to sub-surface concrete lifting: Deep Foamjection™ takes concrete lifting to a higher level by injecting foam deeper into the ground.

  2. Repair unstable soils: It stabilizes and strengthens the soil, mitigating the issues caused by unstable ground conditions.

  3. Enhanced foundation support: By creating a stronger foundation, Deep Foamjection™ ensures proper support for settled slabs and structures.

  4. Filling weak areas: Foam follows the path of least resistance, effectively filling weak spots and voids in the ground.

  5. Fissure and void filling: It fills fissures and voids in the soil, minimizing the risk of further settlement.

  6. Water displacement: The foam displaces collected water and eliminates voids that may be holding water.

  7. Increased load-bearing capacity: Deep Foamjection™ improves the load-bearing capacity of the subgrade, providing long-lasting support.

  8. Permanent repair: The foam used in Deep Foamjection™ maintains its shape and does not absorb ground water, ensuring a durable and lasting solution.

  9. Soil binding: The foam soaks into weak soils and expands, binding the soil particles together and creating a solid foundation.

  10. Environmentally friendly: Deep Foamjection™ does not leach harmful chemicals into the ground, making it an environmentally conscious choice.

Deep Foamjection™ offers a comprehensive and effective approach to addressing soil instability and settling issues, providing a long-term solution for concrete and structural repairs.

If your sinking concrete is dragging down the value of your property... GIVE IT A LIFT; it's a fraction of the replacement cost!


Contact them today to book a no-obligation FREE ONSITE QUOTE TODAY!


Liftech Concrete Leveling Is Your Trusted Saskatoon Concrete Leveling Expert!

Trusted Saskatoon Contractors at Liftech Concrete Levelling Discuss Their Superior Alternative to Mud Jacking and Replacement

Trusted Saskatoon Contractor Liftech Concrete Leveling Inc is your go-to Trusted Saskatoon Contractor for lifting and levelling sunken and uneven concrete. Traditional mud jacking, or slab jacking, is a remedy that’s been used for decades to raise sunken slabs. Now there’s a newer, longer-lasting alternative available from Liftech Concrete Leveling. In their latest tip they discuss the differences between poly jacking, mud jacking, and replacements. 

Poly Jacking, Mud Jacking or Replacement?


Is Sinking Concrete Dragging Down the Value of Your Property? Give it a Lift with Liftech's Superior Alternative to Mud Jacking and Replacement.


In the world of concrete repair and levelling, innovation continues to reshape traditional methods. Among these advancements, polyurethane concrete lifting has gained prominence as a groundbreaking solution. Liftech Concrete Leveling has harnessed this technology to provide property owners with a superior alternative to mud jacking and concrete replacement. In this blog, we'll explore the unparalleled benefits of polyurethane concrete lifting offered by Liftech, revolutionizing the way we address sunken or uneven concrete surfaces.




  1. Swift and Precise Restoration

Polyurethane concrete lifting involves injecting a specialized polyurethane foam beneath sunken concrete slabs. This foam expands to fill voids, raising the concrete to its appropriate level.  But not all polyurethane is created equal, petroleum-based insulating foams should never be used below grade where moisture is present as they will absorb water causing it to rot. That’s why Liftech uses only the right products for the application. The most notable advantage of this technique is its speed and precision. Liftech's skilled technicians can complete the process within hours, ensuring minimal disruption to your routine or property. Unlike the time-consuming replacement process or the messiness of mud jacking, polyurethane lifting delivers rapid and accurate results.


  1. Minimized Disruption and Cleanliness

Mud jacking often requires significant drilling of large holes and the introduction of slurry beneath the concrete. This approach can lead to messy spills and potential damage to surrounding landscapes. On the contrary, Liftech's polyurethane concrete lifting requires only small injection holes, resulting in minimal disruption and mess. You won't need to contend with the hassle of removing old concrete or undergoing intensive cleanup after the project is done.


3.     Environmentally Responsible

At Liftech Concrete Leveling we strive to provide our customers with service that is second to none, while leading our industry by using the latest technology, equipment and techniques. For this reason there is only one choice for a material supplier. We exclusively use polyurethanes supplied and developed by HMI Inc. in Wisconsin USA. HMI is the ONLY company that makes polyurethane foam for concrete raising from recycled material, making it the “greenest” polyurethane foam on the market.

Most polyurethane raw materials are petroleum based, meaning they are made using our limited oil resource.  There has been a large push to use raw materials that can be replenished, or Biobased materials, instead of oil.  HMI has embraced this “greener” option and uses biobased materials that are not only good for the environment, but actually enhance the foam properties.  In addition to recycled materials, biobased components make the foam even “greener”.

HMI RR201 & RR401G foams have been certified by USDA for their biobased content. Concrete replacement generates substantial waste, both in the removal of old material and in the production of new concrete. Mud jacking involves the use of cement-based materials with their own environmental footprint. Liftech's polyurethane foam, however, is an eco-friendly choice. It generates minimal waste and boasts a lower carbon footprint, making it an environmentally responsible alternative for those concerned about sustainability.


4.     Durability and Longevity

The polyurethane foam utilized by Liftech in concrete lifting is highly durable and built to last. The foams used are impervious to moisture and the only thing in nature that will break them down is ultraviolet light. The foam will not degrade or leach into surrounding soils, it can withstand temperature fluctuations, heavy loads, and the elements with remarkable resilience. In contrast, the sand and clay-based materials used in mud jacking are prone to movement and shrinkage as they dry out. Liftech's polyurethane solution ensures consistent, stable results, offering concrete slabs that remain level and functional for years to come.


5.     Versatility at its Best

Liftech's polyurethane concrete lifting isn't limited to driveways and sidewalks alone. It's a versatile solution applicable to a diverse range of concrete surfaces. Whether it's patios, pool decks, garage floors, or interior slabs, this innovative technique can restore and level them all. This adaptability ensures that Liftech's services address various areas of your property with efficiency and effectiveness.


In the realm of concrete repair, Liftech Concrete Leveling's polyurethane lifting stands as a game-changer. Its swiftness, precision, cost-effectiveness, and minimal disruption set it apart from mud jacking and concrete replacement. With its long-lasting results and environmental benefits, Liftech's polyurethane lifting not only restores your property's functionality and aesthetics but does so responsibly. If you're grappling with sunken concrete, embracing Liftech's polyurethane concrete lifting can provide you with an exceptional solution that's durable, budget-friendly, and environmentally conscious. Say goodbye to uneven surfaces and welcome a new era of hassle-free, efficient concrete restoration with Liftech Concrete Leveling.


If your sinking concrete dragging down the value of your property... GIVE IT A LIFT, it's a fraction of the cost of replacement!


Contact them today to book a no-obligation FREE ONSITE QUOTE TODAY!


Liftech Concrete Leveling Is Your Trusted Saskatoon Concrete Leveling Expert!

Trusted Saskatoon Auto Body Experts at Preferred Collision Explain Their Fleet Services

What can you expect when you deal with the professionals at Preferred Collision and Glass Saskatoon? You can expect seamless quality repairs! A faster turnaround for your vehicle (on average 25% faster!!) and assistance dealing with insurance! You'll find quality at every price point - from a few hundred dollars to a thousand or more. Preferred Collision and Glass is a Trusted Saskatoon Auto Body Expert.

Efficient Fleet Services for Auto Body Repair



Fleet services for autobody repair involve providing specialized repair and maintenance services for vehicles within a fleet. This type of service is often utilized by companies, organizations, or government entities that operate a fleet of vehicles for various purposes, such as delivery services, transportation, or emergency response.


By utilizing fleet services for autobody repair, fleet owners can benefit from streamlined processes, professional expertise, and timely repairs, ensuring their vehicles are properly maintained and back in service promptly. It's important to work with reputable and experienced autobody repair shops that understand the unique requirements of fleet vehicles and can provide reliable and efficient services.


FLEET MANAGEMENT SERVICES

  • Complete collision, repair and refinish
  • Uniform national procedures
  • Uniform national pricing
  • Computerized estimates and progress status reports
  • Availability of OEM or after-market parts, the client’s choice
  • Guaranteed customer satisfaction


REMARKETING SERVICES

  • Seamless repairs
  • Skilled Personnel
  • Factory colour match paint system


RE-IDENTIFICATION SERVICES

  • Corporate identity and re-branding on fleet and off fleet
  • Decal design and application
  • Computerized brand colour matching
  • Our location has  truck capacity
  • Computerized estimates and progress reports
  • Central billing

If you are in a collision, Preferred Collision and Glass will look after all your and your car’s needs, during and after, with our Customer For Life program.


Preferred Collision and Glass is a Trusted Saskatoon Auto Body Expert. 


Saskatoon Group Benefits pros at Wiegers Explain How Group Benefits Helps Employees and Their Families

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan.. They  have a Saskatoon Benefits and Personal Insurance planning, division. In this latest Wiegers Group Benefits expert tip, they explain how the group benefits plan you provide employees helps look after their loved ones too. Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits experts.

 

HOW THE GROUP BENEFITS PLAN YOU PROVIDE YOUR EMPLOYEES HELPS LOOK AFTER THEIR LOVED ONES TOO


When most people think about what it takes to help protect their loved ones’ financial security, they tend to think about life insurance – and it makes sense. Owning insurance that pays out a lump sum benefit to your beneficiaries in the event of your untimely death is the most effective way to ensure that even when you’re no longer here to contribute to them financially, they’ll be looked after. When an individual wants or needs to purchase life insurance, he or she typically contacts a financial advisor or insurance representative who then conducts a needs analysis to determine the individual’s life insurance needs, applies to one or more insurance companies for it, and then if the individual’s insurance application is approved (including potentially a medical questionnaire and tests), begins paying insurance premiums to keep it in-force.

What a lot of people don’t realize is that as important as it is to purchase sufficient life insurance to protect their loved ones’ financial security after their gone, the group benefits plan you provide your employees likely includes a number of benefits that are also important in helping. Your company’s benefits plan, for example, likely includes a life insurance benefit that amounts to a flat amount or a multiple of each employee’s gross annual income, and that is partly or entirely guaranteed regardless of the employee’s health. This can amount to a relatively significant benefit, though for most people, it is not enough on its own to adequately look after their loved ones financially. A qualified advisor will want to include a person’s group life insurance benefit in a thorough analysis of how much insurance he or she has, and how much is still needed.

But beyond the life insurance you likely provide in your company’s group benefits plan are other benefits that directly or indirectly help care for your employees’ loved ones. Most plans, for example, include short and long-term disability insurance for employees that pay out a benefit each week (in the case of short term disability) or each month (in the case of long term disability) when an employee becomes disabled and is unable to work for an income. This is as beneficial for your employees as it is for their families, given that most families cannot sustain the loss of an income for even a short period of time. When you consider that group disability insurance – unlike Workers’ Compensation Insurance – covers disabilities sustained both on and off the job, the financial security it affords your employees and their families becomes even more apparent.

Most group benefit plans include more than just insurance, though, that benefits the employees’ families. Plans that include Health, Prescription Drug and/or Dental benefits, for example, almost always include coverage (or the option for coverage) for each employee’s dependent spouse and/or children. And in cases when an employee dies when he or she still has coverage under a group benefits plan, there is usually a survivor benefit that continues to afford the employee’s dependents with coverage for one or two years following the death with no insurance premiums required.

In order to really stand out as an employer who cares, you have options to take your benefits plan beyond what’s become standard and, in the process, help improve your competitive position in the war on talent. As just one example, you can supplement your company’s benefits plan with a Health Spending Account and/or Personal Spending Account as a means to providing your employees and their families with the flexibility to choose how to spend wellness dollars. You can add an Employee and Family Assistance Plan (EAFP) to provide a number of important services, including but not limited to counselling. You can add Critical Illness Insurance coverage to your plan – either as a mandatory or voluntary benefit – that provides a lump sum financial benefit to an insured person diagnosed with a covered critical illness. There are other benefit options too that your group benefits advisor should recommend or at least advise you about so you can make the most informed and impactful decision for your own team.

Really, then, by helping to take care of your employees with a group benefits plan, you’re helping take care of their families too. At a time when employees are in the position to choose who they want to work for, and when working for an employer who actively demonstrates care and concern for his or her employees is non-negotiable, it’s important that you make clear what you do for your team. To learn more, please speak with your benefits advisor.

Amanda Getzlaf
Benefits Account Manager, Wiegers Financial and Insurance Planning Services Ltd.


Wiegers’ Benefits Consulting Division includes many consultants and support staff who custom-design the most employee-valued and cost-effective group benefit, personal insurance, employee assistance programs, and retirement plans available. Contact them today for a no-obligation consultation to determine how they can help you.

Wiegers Financial & Benefits are Trusted Saskatoon Insurance and Group Benefits Advisors 

Trusted Saskatoon Financial Advisors at Wiegers Financial & Benefits Discuss US Residency Rules for 'Snowbirds'

Wiegers Financial & Benefits is one of the largest private financial planning and employee benefits consulting firms in Saskatchewan. Their Financial Planning Division provides business owners, households, retirees, and students with expert investment and insurance planning services to help them reach their long-term financial goals. They also have a Benefits and Personal Insurance planning division. 


WHY IT’S IMPORTANT THAT SNOWBIRDS UNDERSTAND U.S. RESIDENCY RULES BEFORE PLANNING THEIR TRIP


Every year, over 1 million Canadian seniors and retirees pack up and move south for the winter to enjoy the warm weather and avoid the freezing temperatures at home.

However, while warmer climates can be a welcome escape, Canadian snowbirds need to be very careful about how much time they spend in the United States, as overstaying can result in being deemed a U.S. resident for tax purposes and subject you to paying taxes in the United States even if you’re not a U.S. citizen.

The good news is that proper planning and awareness of the correct U.S. residency rules can help you avoid falling into the snowbird tax trap.

NOTE: If you have dual Canadian – U.S. citizenship, you should already be filing a U.S. tax return to report your worldwide income, no matter how much or little time you spend in the U.S., so the options below won’t apply to you.


The Wrong Way to Avoid Being Considered a U.S. Resident

Unfortunately, many Canadian snowbirds have been misinformed that if they simply spend fewer than 183 days in the U.S. in any given year, they will not be considered U.S. residents for tax purposes.

This information is not true, and has caused thousands of Canadians to unknowingly violate U.S. residency rules, often leading to serious financial and emotional stress.

Don’t think you’ll just slip through the cracks. Canadian and U.S. border officials are sharing more information than ever, making it virtually impossible to hide from the IRS.

 

The Right Way to Avoid Being Considered a U.S. Resident

Canadian snowbirds have three options to avoid being considered U.S. residents for tax purposes by the IRS. The first option is to avoid being considered a U.S. resident for tax purposes in the first place, while the second and third options offer exemptions if you could be considered a U.S. resident.

The three options below are listed from simplest to most complex. The right option for you will depend on your unique situation:

  1. The Substantial Presence Test
  2. The Closer Connection Exemption
  3. The Canada – U.S. Tax Treaty

Option 1: The Substantial Presence Test

The easiest way for Canadian snowbirds to avoid being considered U.S. residents for tax purposes is to make sure you don’t meet the IRS’s Substantial Presence Test. Under the Substantial Presence Test, the IRS considers Canadians to be U.S. residents for tax purposes if you are physically present in the U.S. for:

31 days in the current calendar year; AND
183 days during the three-year period covering the current calendar year and the two preceding calendar years on a weighted basis.

To arrive at your three-year total, you include:

  • All days spent in the U.S. in the current calendar year,
  • One-third of the days spent in the U.S. in the preceding year, and
  • One- sixth of the days spent in the U.S. in the year prior to that

While the test is odd and confusing, it actually allows you spend significantly more than 183 days in the U.S. over the three-year period by giving less weight to days in previous years.

If your total over the three-year period is 182 days or less, you will not be considered a U.S. resident for tax purposes, as you don’t meet the Substantial Presence Test.

However, if your total for the three-year period is 183 days or more, you will be considered a U.S. resident for tax purposes under the Substantial Presence Test, which would require you to seek an exemption under Option 2, and possibly Option 3, below.

TIP: For U.S. residency calculation purposes, a day is considered to be a calendar day, not a 24-hour period! For example, if you enter the U.S. at 11:00 pm one night and return to Canada at 1:00 am the next morning, it counts as spending two days in the U.S. even though you were only there for 2 hours.

Example:

Glenn spends 120 days in the U.S. in 2020 (the current year), 120 days in the U.S. in 2019 and 120 days in the U.S. in 2018, he would calculate his three year total as follows:

120 days in 2020
+ 40 days in 2019 (120 ÷ 3)
+ 20 days in 2018 (120 ÷ 6)
= 180 total days
In this example, Glenn would not be considered a U.S. resident for tax purposes, as he is under the 183- day threshold for the three-year period. He should still consider filing Form 8840 to document this with the IRS.

NOTE: If you spend a fair amount of time in the U.S. each year, you should still consider filing Form 8840 to document and certify to the IRS that you were not substantially present in the U.S. under the Substantial Presence Test. You are not required to have a U.S. tax identification number to file Form 8840.

 

Option 2: Form 8840 & The Closer Connection Exemption

Even if Option 1 above doesn’t work for you, you can still get an exemption from being considered a U.S. resident for tax purposes if you qualify for and file a Form 8840 with the IRS.

The official name of Form 8840 is the “Closer Connection Exemption Connection Statement for Aliens”.

Essentially, filing Form 8840 allows Canadian snowbirds to stay in the U.S. for up to 182 days every year without being considered a U.S. resident for tax purposes (assuming you meet the criteria and file on time).

In order to qualify to file Form 8840 and receive this exemption, you’ll need to meet ALL of the following criteria:

  1. Be present in the U.S. for less than 183 days in the current calendar year
  2. Be able to establish a home in Canada in the current calendar year
  3. Be able to establish a closer connection to Canada than the U.S. during the calendar year

Form 8840 is a short form that asks you a number of questions to support your claim that you have closer economic and personal ties to Canada than the United States.

Questions cover a broad range of topics including, but not limited to:

  • Where your permanent home is
  • Where you keep your belongings
  • Where your family lives
  • Where you’re registered to vote
  • Where your driver’s license was issued
  • Were your banking and financial accounts are located
  • Where you’re covered by a government health plan

Form 8840 must be filed with the IRS no later than June 15 in the year following the year in which you qualified as a U.S. resident for tax purposes under the Substantial Presence Test. If you fail to file on time, you may be considered a U.S resident for tax purposes and subject to other penalties.

If you meet all of the criteria to be eligible for the Closer Connection Exemption and file your Form 8840 on time with the IRS, you will avoid being treated as a U.S. resident for tax purposes.

If you don’t meet all of the criteria for the Closer Connection Exemption, and you are ineligible to file a Form 8840, you must look to Option 3 below as your third and final option for relief from being deemed a U.S. resident for tax purposes.

 

Option 3: The Canada – U.S. Tax Treaty

Canadian snowbirds that spend 183 days or more in the U.S. in the current calendar year have one last option to avoid being declared a U.S. resident for tax purposes: file a U.S. Nonresident tax return (Form 1040NR) and claim an exemption under The Canada – U.S. Tax Treaty.

In order to claim an exemption under the Canada – U.S. Tax Treaty, Canadians must file a non-resident U.S. tax return Form 1040NR and attach a properly completed Form 8833, called the “Treaty Based Return Position Disclosure”. You will need a U.S. Individual Tax Identification Number (referred to as an “ITIN”) to file these forms with the IRS.

This option is by far the most onerous and complex to complete and will likely require you to incur the time and expense of hiring a U.S. tax professional to assist and advise you.

Form 1040NR and Form 8833 must be filed with the IRS no later than June 15 in the year following the year in which you qualified as a U.S. resident for tax purposes. If you fail to file on time, you may be considered a U.S resident for tax purposes and subject to other penalties.

 

The Bottom Line

Whenever possible, Canadian snowbirds should avoid being considered U.S. residents for tax purposes.

As mentioned previously, your best options are to ensure you do not meet the Substantial Presence Test or to qualify for the Form 8840 Closer Connection Exemption. Avoid having to rely on the Canada – U.S. Tax Treaty whenever possible.

While filing a Form 8840 Exemption may be a little more work than simply not meeting the Substantial Presence Test, the filing process isn’t particularly difficult or time consuming, and allows you to spend more time in the United States. It’s a common practice, and thousands of Canadian snowbirds file a Form 8840 every year.

Avoiding U.S. tax issues should never be a problem for snowbirds as long as you plan ahead and take the time to understand and follow the IRS rules. Talk to an advisor for more information. 

The opinions expressed are those of the author and may not necessarily reflect those of Manulife Securities Investment Services Inc.

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